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Health insurance policies which cover
Maternity Benefit

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    Health insurance policies which cover Maternity Benefit



    Maternity Health Insurance Plan

    Sum Insured (Rs.)

    Entry Age Criteria (yrs.)

    Family Size

    Aditya Birla - Activ Health Platinum Enhanced Insurance PlanRs2 lakh to Rs 2 crore18 years (for adults) Platinum Enhanced is 91 daysChildren below 25 years age Can be added under family health insurance option
    Bajaj Allianz Health Guard policy Rs. 3lacs to Rs. 7.5lacs Children - 18 Years Adults - 65 Year Children can be covered up to a maximum of 30 years of age.
    Care Health Insurance- Joy Today 3 Lakh / 5 LakhMinimum – 18 Year Maximum – 45 Year 6 members
    Care Health Insurance- Joy Tomorrow 3 Lakh / 5 Lakh Minimum – 18 Year Maximum – 45 YearN/A
    Chola MS Health line plan 3 Lakh / 5 Lakh Min - 18 years Max - 65 years Dependent children within 3 months to 26 years, dependent girl child up to 35 yearsMaternity Benefits will be covered under this plan as well as the new-born. The new-born will be covered as an insured member of the family without the need of extra premium.
    Digit- Health care plus policy 1 Lakh / 5 Lakh 1 Year - 60 YearN/A
    Nivi Bupa Health Insurance Heartbeat Rs.2 lakhs to Rs.50 lakhs 0 - No restriction maximum 2 adults and 2 children


    Aditya Birla - Activ Health Platinum Enhanced Insurance Plan



    What is covered?

    i) Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy. ii) Pre & Post natal maternity expenses

    Maternity Sum Insured

    Rs. 2 Lakhs to Rs.2 Crores

    New Born Baby cover

    Covered up to 90 days from the date of delivery within the limit of maternity sum insured

    • What is covered?
      i) Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy. ii) Pre & Post natal maternity expenses
    • Maternity Sum Insured?
      Rs. 2 Lakhs to Rs.2 Crores
    • Waiting period
      Rs. 2 Lakhs to Rs.2 Crores
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: No limit
    • New Born Baby cover
      Covered up to 90 days from the date of delivery within the limit of maternity sum insured
    • Vaccination Expenses
      Covered up to 2 years from the date of child birth. Coverage will be subject to the claims admitted under the Maternity expenses cover
    • Stem cell preservation


    Bajaj Allianz Health Guard policy



    What is covered?

    Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.
    ii) Pre & Post natal maternity expenses

    Maternity Sum Insured

    i) Basic Sum Insured- Rs. 3 Lakhs to Rs.7.5 Lakhs Maternity Sum insured- Rs. 15000 normal delivery, Rs.25000 cesarean
    ii) Basic Sum Insured- Rs. 10 Lakhs to Rs.50 Lakhs Maternity Sum insured- Rs. 25000 normal delivery, Rs.35000 cesarean

    New Born Baby cover

    Covered up to 90 days from the date of birth within the limit of maternity sum insured

    • What is covered?
      Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person. ii) Pre & Post natal maternity expenses
    • Maternity Sum Insured?
      i) Basic Sum Insured- Rs. 3 Lakhs to Rs.7.5 Lakhs Maternity Sum insured- Rs. 15000 normal delivery, Rs.25000 cesarean ii) Basic Sum Insured- Rs. 10 Lakhs to Rs.50 Lakhs Maternity Sum insured- Rs. 25000 normal delivery, Rs.35000 cesarean
    • Waiting period
      Continuous waiting period of 72 month
    • Entry Age
      i)Proposer /Spouse /Parents/Sister/ Brother/Parents-in-law/ Aunt/ Uncle 18 yrs to 65 years ii) Dependent Children/Grandchildren: 3 months – 30 yrs
    • New Born Baby cover
      Covered up to 90 days from the date of birth within the limit of maternity sum insured
    • Vaccination Expenses
      Covered up to 90 days from the date of child birth as recommended by the Indian pediatric Association. Coverage will be subject to the claims admitted under the Maternity expenses cover
    • Stem cell preservation
      Not covered


    Care Health Insurance- Joy Today



    What is covered?

    The company will indemnify up to the amount specified against this benefit in the policy schedule for the maternity expenses including pre natal and post natal medical expenses with respect to hospitalization of the insured person for the delivery of the child. Claim under this benefit shall be admissible only if the age of the insured person is less than 45 years

    Maternity Sum Insured

    Up to Rs. 35,000 maternity cover for Rs.3 Lakhs sum insured.
    Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.

    New Born Baby cover

    Up to Rs. 30,000 maternity cover for Rs.3 Lakhs sum insured.
    Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
    Covered up to 90 days of the child birth.

    • What is covered?
      The company will indemnify up to the amount specified against this benefit in the policy schedule for the maternity expenses including pre natal and post natal medical expenses with respect to hospitalization of the insured person for the delivery of the child. Claim under this benefit shall be admissible only if the age of the insured person is less than 45 years.
    • Maternity Sum Insured?
      Up to Rs. 35,000 maternity cover for Rs.3 Lakhs sum insured. Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
    • Waiting period
      Continuous waiting period of 9 months
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: 45 year
    • New Born Baby cover
      Up to Rs. 30,000 maternity cover for Rs.3 Lakhs sum insured.
      Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
      Covered up to 90 days of the child birth
    • Vaccination Expenses
      Not covered
    • Stem cell preservation
      Not covered


    Care Health Insurance- Joy Tomorrow



    What is covered?

    The company will indemnify up to the amount specified against this benefit in the policy schedule for the maternity expenses including pre natal and post natal medical expenses with respect to hospitalization of the insured person for the delivery of the child. Claim under this benefit shall be admissible only if the age of the insured person is less than 45 years

    Maternity Sum Insured

    Up to Rs. 35,000 maternity cover for Rs.3 Lakhs sum insured.
    Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
    A lump sum amount of Up to Rs.50,000 will be covered if the newborn child is diagnosed with Down’s syndrome or cerebral palsy.

    New Born Baby cover

    Up to Rs. 30,000 maternity cover for Rs.3 Lakhs sum insured

    • What is covered?
      The company will indemnify up to the amount specified against this benefit in the policy schedule for the maternity expenses including pre natal and post natal medical expenses with respect to hospitalization of the insured person for the delivery of the child. Claim under this benefit shall be admissible only if the age of the insured person is less than 45 years.
    • Maternity Sum Insured?
      Up to Rs. 35,000 maternity cover for Rs.3 Lakhs sum insured.
      Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
      A lump sum amount of Up to Rs.50,000 will be covered if the newborn child is diagnosed with Down’s syndrome or cerebral palsy.
    • Waiting period
      Continuous waiting period of 24 months
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: 45 year
    • New Born Baby cover
      Up to Rs. 30,000 maternity cover for Rs.3 Lakhs sum insured.
      Up to Rs. 50,000 maternity cover for Rs.5 Lakhs sum insured.
      Covered up to 90 days of the child birth
    • Vaccination Expenses
      Not covered
    • Stem cell preservation
      Not covered


    Chola MS Health line plan



    What is covered?

    Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.

    Maternity Sum Insured

    i) Basic Sum Insured- Rs. 3.5 Lakhs to Rs.5.5 Lakhs
    Maternity Sum insured- Rs. 15000 normal delivery, Rs.25000 cesarean
    ii) Basic Sum Insured- Rs. 4.5 Lakhs to Rs.10 Lakhs
    Maternity Sum insured- Rs. 25000 normal delivery, Rs.40000

    New Born Baby cover

    The medically necessary treatment of the newborn would be covered under the maternity sum insured mentioned in the policy

    • What is covered?
      Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.
    • Maternity Sum Insured?
      i) Basic Sum Insured- Rs. 3.5 Lakhs to Rs.5.5 Lakhs Maternity Sum insured- Rs. 15000 normal delivery, Rs.25000 cesarean
      ii) Basic Sum Insured- Rs. 4.5 Lakhs to Rs.10 Lakhs Maternity Sum insured- Rs. 25000 normal delivery, Rs.40000 cesarean
    • Waiting period
      Continuous waiting period of 60months/ 5 years
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: 65 years
    • New Born Baby cover
      The medically necessary treatment of the newborn would be covered under the maternity sum insured mentioned in the policy
    • Vaccination Expenses
      No
    • Stem cell preservation
      No


    Digit- Health care plus policy



    What is covered?

    i) Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy.
    ii) Pre & Post natal maternity expenses covered only if it leads to hospitalization.

    Maternity Sum Insured

    Maternity Sum insured- Minimum
    Rs. 10000 & Maximum- Rs.500000

    New Born Baby cover

    Covered up to 90 days from the date of birth within the limit of maternity sum insure

    • What is covered?
      i) Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy.
      ii) Pre & Post natal maternity expenses covered only if it leads to hospitalization
    • Maternity Sum Insured?
      Maternity Sum insured- Minimum Rs. 10000 & Maximum- Rs.500000
      ii) Basic Sum Insured- Rs. 4.5 Lakhs to Rs.10 Lakhs Maternity Sum insured- Rs. 25000 normal delivery, Rs.40000 cesarean
    • Waiting period
      Various options to choose from
      i) No waiting period
      ii) 1 year waiting period
      iii) 2 year waiting period
      iv)3 year waiting period
      v) 4 year waiting period
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: 65 years
    • New Born Baby cover
      Covered up to 90 days from the date of birth within the limit of maternity sum insured
    • Vaccination Expenses
      Covered up to 5 years of age from the date of child birth as recommended by the National Immunization schedule by Govt of India.
      Coverage will be subject to the claims admitted under the Maternity expenses cover
    • Stem cell preservation
      No


    Nivi Bupa Health Insurance- Heartbea



    What is covered?

    Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.

    Maternity Sum Insured

    Maternity Sum insured- Minimum Rs. 40000 & Maximum- Rs.200000

    New Born Baby cover

    Covered up to 90 days from the date of birth within the limit of maternity sum insured

    • What is covered?
      Medical expenses for delivery of child, including cesarean or lawful medical termination of pregnancy limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.
    • Maternity Sum Insured?
      Maternity Sum insured- Minimum Rs. 40000 & Maximum- Rs.200000
    • Waiting period
      Continuous waiting period of 24 months
    • Entry Age
      Minimum Age: 18 years
      Maximum Age: 65 years
    • New Born Baby cover
      Covered up to 90 days from the date of birth within the limit of maternity sum insured
    • Vaccination Expenses
      CCovered up to 1 year of age from the date of child birth as recommended by the National Immunization schedule by Govt of India.
      Coverage will be subject to the claims admitted under the Maternity expenses cover
    • Stem cell preservation
      Not covered